This is one of the typical questions asked regarding auto insurance. If you do not own a car but have to drive your friends vehicle its better that you make sure he does have insurance on the car to avoid getting into any problems.
So the answer to this questions is: Yes, you will be covered under his insurance as long as he has given you permission to drive his car and if you and your friend live at the same household he would need to add you to his policy to make sure your are covered.
So to leave this clear and avoid confusion here it is again.
As long as you have permission to drive your friends car you will be covered under his insurance policy unless you live in the same household and he has not added you to his policy.
This is universal across the U.S. and applies to all auto insurance policies.
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